Real Agent Benefits FAQ - Coverage, Add-ons & Benefits – Real

For more information about Real Agent Benefits, or to schedule your consultation, visit www.realagentbenefits.com.

Visit the articles below to answer all of your questions!

Question: Do these plans include dental and vision coverage?

Answer: Yes—optional dental and vision plans are available for individuals and families.

Question: Are prescription medications covered?

Answer: Yes. Both Major Medical and Healthshare plans include prescription benefits, and additional discount programs are available.

Question: What is the RX Help Centers program?

Answer: A prescription advocacy service that helps members find the lowest-cost options, discount programs, and manufacturer assistance.

Question: Are disability and retirement planning options available?

Answer: Yes. Additional financial wellness products, including disability and retirement guidance, may be offered through partners.

Question: Do these plans cover preventive care and wellness visits?

Answer: Yes—preventive care is included in both ACA plans and many Healthshare/limited medical options.

Question: What’s included in catastrophic coverage?

Answer: Typically hospitalization, emergency care, major surgeries, and life-threatening medical events.

Question: Can I see any doctor or only those in the PPO network?

Answer: PPO plans allow you to see any doctor, but in-network providers offer the best rates.

Question: Are emergency services covered nationwide?

Answer: Yes—ER coverage is available nationwide for both Major Medical and most Healthshare plans.

Question: Do Healthshare plans cover pre-existing conditions?

Answer: Some do, but often with waiting periods or limits. Details vary by program.

Question: Are virtual doctor visits really $0 copay?

Answer: Many plans include $0 telemedicine for routine or urgent care visits.

Related articles